E-COMMERCE

Preface ................................................ 7 Introduction ........................................... Chapter 1. KNOWLEDGE MANAGEMENT PECULIARITIES IN E- 9 BUSINESS: ACTUALITY AND TENDENCIES ......... 12 Introduction............................................ 1.1. The importance of knowledge management to increase the 12 efficiency of the organisations activity in e-business ...... 15 1.2. Employee competency integrated assessment in e-business 1.2.1.Theoretical evaluation aspects of factors affecting em- 19 ployee competency .......................................... 1.2.2. The identification of the factors affecting the employee 21 competency ................................................ 1.2.3. Concept complex competency assessment model of e- 26 business organisation ........................................ 1.3. Analysis of factors motivating human resources in e-busi- 33 ness .................................................. 1.3.1. Theoretical evaluation aspects of factors affecting human 34 resources motivation ........................................ 1.3.2. Analysis of factors that influence the motivation of human 36 resources .................................................. 1.4. Evaluation system of factors affecting creativity in e-busi- 37 ness .................................................. 1.4.1. Theoretical evaluation aspects of factors affecting creativ- 41 ity ......................................................... 1.4.2. Identification of factors affecting creativity. Partial inte- 42 grated criterion (third stage) ................................ 48 1.4.3. Evaluation system of factors affecting creativity ........ 49 1.5. Knowledge appliance process in e-business organisation .. 1.5.1. The factors proceeding efficiency of knowledge appliance 53 process in e-business ........................................ 1.5.2. The selection of the method to evaluate efficiency of know- 56 ledge appliance process in e-business ......................... 59 Conclusions ........................................... 60 Self test questions ..................................... 63 References ............................................ Chapter 2. CONTENT MANAGEMENT IN VIRTUAL ORGANIZA 64 TIONS ............................................... 70 5 Table of Contents Introduction ........................................... 2.1. A systematical approach to automate content management 70 in a vitual ogranization ................................. 71 2.2. The concept of the content. Content Management ..... 73 2.3. The life cycle of the document ......................... 74 2.4. Document management in a virtual organization ........ 76 2.5. Content capture technology ............................ 77 2.6. Cloud technologies in business processes CMS .......... 83 Conclusion ............................................. 85 References ............................................ 86 Chapter 3. MARKETING COMMUNICATION IN DIGITAL AGE ... 87 Introduction ........................................... 87 3.1. The growing potential of the market ................... 88 3.2. Previous studies in e-business and e-marketing areas .... 91 3.3. The specifics of Internet marketing in B2B communication 92 3.4. E-marketing tools ..................................... 94 3.5. Social networks in marketing ........................... 98 6 3.6. Effectiveness evaluation theories ........................ 100 3.7. Website quality and efficiency evaluation ................ 101 3.8. Cases: resent research results .......................... 106 3.8.1. Online advertisements efficiency research .............. 106 3.8.2. Evaluation of Lithuanian e-shops ...................... 109 Conclusions ........................................... 110 Self test questions ..................................... 111 References ............................................ 111 Chapter 4. IMPROVING THE EFFICIENCY OF E-COMMERCE .. 116 Introduction ........................................... 116 4.1. Scientific research. E-commerce as the Internet technology 116 4.2. Promotion of e-business ............................... 120 4.3. A set of basic tools for e-business ...................... 121 4.4. Security in e-commerce ................................ 124 Conclusion ............................................ 133 Self-examination questions ............................. 133 References ............................................ 134 Chapter 5. ELECTRONIC PAYMENT SYSTEMS.................. 135 Introduction............................................ 135 5.1. The concept of electronic payments.National payment system in Russia ....................................... 136 5.2. Electronic payment systems based on «Client-Bank» and online banking ......................................... 143 5.3. Electronic payments via bank cards ..................... 151 Table of Contents 5 5.4. Electronic payments via digital cash .................... 160 5.5. Internet payment system based on virtual accounts ...... 164 Conclusion ............................................ 166 Self-examination questions ............................. 166 References ............................................ 167 Chapter 6. MANAGEMENT OF THE VIRTUAL ENTERPRISE .... 168 6.1. Virtual enterprise, electronic business, electronic commerce, model of management, manager .................... 168 6.2. Manager .............................................. 174 6.3. Channel ............................................... 175 6.4. Information environment. Knowledge ................... 175 6.5. Problem field .......................................... 176 Self-examination questions ............................. 178 References ............................................ 178 Chapter 7. INTERNET MARKETING ............................ 180 Introduction ........................................... 180 7.1. The concept and structure of the Internet Marketing .... 180 7.2. Market research on the Internet ........................ 182 7.3. Internet advertizing .................................... 187 7.3.1. The concept of Internet advertising .................... 187 7.3.2. Announcement of the search engines and search engine optimization. The concept and purpose of search engine optimization ................................................... 189 7.3.3. Search Engine Advertising ............................ 209 7.3.4. Participation in the rankings and registration in catalogs 215 7.3.5. Banner advertising ................................... 219 7.3.6. Link Exchange ....................................... 236 7.3.7. Profiling and personalization in online advertising........ 239 7.3.8. E-mail-advertising. Basic concepts and advantages e-mailadvertising ................................................. 242 7.3.9. Discussion lists ....................................... 248 7.3.10. Virus marketing. Concept and principles of virus marketing ........................................................ 251 7.3.11. Other methods of advertizing ........................ 258 7.3.12. Analysis of efficiency of Internet advertizing ........... 259 7.3.13. Methods of the collection of information, used for the analysis .................................................... 263 7.4. Marketing in social networks and blogs ................. 282 7.5. Partner programs ...................................... 287 7.6. The problem of return visitors and create a captive audience 292 7.6.1. Statement of the problem of creating a virtual community 292 7.6.2. Methods for creating a virtual community .............. 294 9 Table of Contents 7.7. Off-line support for online projects ...................... 297 Self-examination questions.............................. 298 References ............................................ 299 Chapter 8. REACHING SUSTAINABLE DEVELOPMENT GOALS THROUGH E-GOVERNMENT IN THE POST-2015 AGENDA ............................................. 301 Introduction ........................................... 310 8.1. E-government: definition, functions and stages .......... 302 8.2. E-government: global tendencies ....................... 304 8.3. Formation and development of e-government in Uzbekistan 308 Self-examination questions ............................. 314 References ............................................ 314The development of the universities’ ability to quickly respond to new demands of the labor market and to adapt, update, develop and introduce new areas of study to ensure demand for the graduates provides the participation in the international projects of the European program improving higher education «TEMPUS». The project TEMPUS — ECOMMIS («double-level training programs of e-commerce developing the information society in Russia, Ukraine and Israel») was launched in October 2011, and belongs to a class of joint projects to develop new courses and courses for bachelor’s and master’s degrees. The project consortium involves 12 universities from Germany, the Netherlands, Lithuania, Israel, Russia and Ukraine. The main objective of the project is to develop and implement new academic courses and areas of study, taking into account the current status and trends of economic development and the specific requirements of the labor market on the basis of cooperation between universities in different countries. The main feature and complexity of the project academic content of is that e-commerce as an academic concept is absolute new and it appeared just only in the last decade. It is a new interdisciplinary field of knowledge, which is located at the intersection of economics and computer science and it is not covered by the classical training courses in economics and computer science technology. The aspects of national and international law in connection with the growth of international trade, economic cooperation and the development of new Internet based technologies should be taken into account. For the project’s period of three years on the basis of international cooperation the following results were obtained: 11 Preface 1) The analysis and modernization of existing curricula in the field of e-commerce were carried out; 2) new training modules with the introduction of the European creditmodular system of accumulation and transfer transcripts units ( ECTS ) were developed; new modules and courses: e-commerce, electronic payment systems; Internet trading in the financial markets and the stockmarket systems; Information systems for financial analysis and investment; Information systems for business process modeling; corporate information systems and portals; Customer-oriented systems; Internet Marketing; electronic systems for document management; legal aspects of e-commerce; advanced course security for e-commerce were introduced; 3) two international online games to enhance practical skills in the field with online marketing and online trading were developed and conducted among university students; 4) skills training courses e-commerce for various social groups (students, housewives, pensioners, unemployed) were developed and tested; 5) business offices, e-commerce were established to strengthen cooperation between the universities in the labor market and to create the conditions of commercialization of the project results after the end of financial support from the TEMPUS Program. 6) textbooks on the topic of the project were developed and published. In May — July 2013. 62 teachers targeted universities in Israel, Russia and Ukraine received intensive training in the field of e-commerce in three European universities: FONTYS (NL), TU Berlin (DE), VGTU ( LT ). From October 2013 in target universities of Israel, Russia and Ukraine students’ training began on the courses developed in the framework of the new training courses and modules with using computer classes, equipped in accordance with the project plan with new hardware and software tools. The final stage of the project was intended to develop a five-year detailed plan for sustainable development of the results. Such plan that includes coordinated action to disseminate best practices, development of new joint courses for graduate and post-graduate students, scientificmethodical conferences, joint publications will support the further dynamics of the activities involved universities. Joint work on the implementation of the project ECOMMIS led to the emergence of sustainable professional relationships between organizations in the consortium as the training of new qualified professionals, as well as in the field of scientific and methodological developments. This is confirmed by the present collective monograph E-commerc

Transferring cash benefits through the banking sector in Colombia

This paper reviews the experience in transacting payments through the commercial banking system, to beneficiaries in Colombia's"Familias en Accion"program. The story told will be useful to those trying to solve the operational problem of moving cash, cost-effectively to large numbers of beneficiaries in social assistance, or similar programs. It shows the options considered, their advantages, disadvantages, and costs. Though some of the details may be specific to the country, and program, the approach to the analysis is broadly applicable.Banks&Banking Reform,Municipal Financial Management,Financial Intermediation,Financial Crisis Management&Restructuring,Health Monitoring&Evaluation

Electronic Payment Systems Observatory (ePSO). Newsletter Issues 9-15

Abstract not availableJRC.J-Institute for Prospective Technological Studies (Seville

Blockchain, Leadership And Management: Business AS Usual Or Radical Disruption?

The Internet provided the world with interconnection. However, it did not provide it with trust. Trust is lacking everywhere in our society and is the reason for the existence of powerful intermediaries aggregating power. Trust is what prevents the digital world to take over. This has consequences for organisations: they are inefficient because time, energy, money and passion are wasted on verifying everything happens as decided. Managers play the role of intermediaries in such case: they connect experts with each others and instruct them of what to do. As a result, in our expert society, people's engagement is low because no one is there to inspire and empower them. In other words, our society faces an unprecedented lack of leadership. Provided all those shortcomings, the study imagines the potential repercussions, especially in the context of management, of implementing a blockchain infrastructure in any type of organisation. Indeed, the blockchain technology seems to be able to remedy to those issues, for this distributed and immutable ledger provides security, decentralisation and transparency. In the context of a blockchain economy, the findings show that value creation will be rearranged, with experts directly collaborating with each others, and hierarchy being eliminated. This could, in turn, render managers obsolete, as a blockchain infrastructure will automate most of the tasks. As a result, only a strong, action-oriented, leadership would maintain the organisation together. This leadership-in-action would consist in igniting people to take action; coach members of the organisations so that their contribution makes sense in the greater context of life

The impact of Mexican immigrants on U.S. wage structure

Previous study by Card and Lewis (2005) has found (puzzling) that inflows of Mexican immigrants into “new” metropolitan areas have had no effect on the relative wages of very low-skill (high school dropouts). Rather, Mexican workers do affect relative wages for high school graduates. Whereas Card and Lewis’ study uses variations across geographies, this paper considers variations across occupations. Recognizing that Mexican immigrants are highly occupationally clustered (disproportionately work in distinctive “very low wage” occupations), we use this fact to motivate the empirical approach to analyze the relationship between the composition of Mexican immigrants across occupations/industries and average wages in the occupations/industries. To summarize our finding, we confirm that in spite of the fact that Mexican immigrants are disproportionately in “very low skill” occupations, (which we define as occupations where the average workers have no high school education), we find no significant impact of Mexican immigrants on wages in those occupations. By contrast, inflows of Mexican immigrants have some small effects on the wages of native workers in “low skill” occupations (which we define as occupations where the average worker has at least some high school education or is a high school graduate). These results suggest potential “spill over effects” as natives may be reallocating their labor supply into non-predominant Mexican occupations. An analysis of employment changes of natives into different occupation groupings in response to an inflow of Mexican immigrants, confirms that natives’ employment in occupations where the average worker has a high school education increases in response to Mexican inflows in the U.S labor force from previous periods.Immigrants ; Wages

Economic security arrangements in the context of population ageing in India

The rapid ageing of India's population, in conjunction with migration out of rural areas and the continued concentration of the working population in the informal sector, has highlighted the need for better economic security arrangements for the elderly. Traditional family ties that have been key to ensuring a modicum of such security are beginning to fray, and increased longevity is making care of the elderly more expensive. As a result, the elderly are at increased risk of being poor or falling into poverty. In parallel with its efforts to address this issue, the Government of India and some of the Indian states have initiated an array of programmes for providing some level of access to health care or health insurance to the great majority of Indians who lack sufficient access. Formal-sector workers have greater social security than those in the informal sector, but they only represent a small share of the workforce. Women are particularly vulnerable to economic insecurity. India's experience offers some lessons for other countries. Although there is space for private initiatives in the social security arena, it is clear that most such efforts will need to be tax-financed. The role that private providers can play is substantial, even when most funding comes from public sources, but such activity will face greater challenges as more individuals seek benefits. India has also shown that implementation can often be carried out well by states using central government funds, with a set of advantages and disadvantages that such decentralization brings. Finally, India's experience with implementation can offer guidance on issues such as targeting, the use of information technology in social security systems, and human resource management.old age risk, old age benefit, medical care, social security administration, demographic aspect, India

Analysis of the latest trends in mobile commerce using the NFC technology

The aim of this research is to propose new mobile commerce proximity payment architecture, based on the analysis of existing solutions and current and future market needs. The idea is to change a Mobile Device into a reliable and secure payment tool, available to everyone and with possibility to securely and easily perform purchases and proximity paymentsThe research leading to these results has received funding by the ARTEMISA project TIN2009-14378-C02-02 within the Spanish "Plan Nacional de I+D+I", and the Madrid regional community projects S2009/TIC-1650 and CCG10-UC3M/TIC-4992

Identifying and combating cyber-threats in the field of online banking

This thesis has been carried out in the industrial environment external to the University, as an industrial PhD. The results of this PhD have been tested, validated, and implemented in the production environment of Caixabank and have been used as models for others who have followed the same ideas. The most burning threats against banks throughout the Internet environment are based on software tools developed by criminal groups, applications running on web environment either on the computer of the victim (Malware) or on their mobile device itself through downloading rogue applications (fake app's with Malware APP). Method of the thesis has been used is an approximation of qualitative exploratory research on the problem, the answer to this problem and the use of preventive methods to this problem like used authentication systems. This method is based on samples, events, surveys, laboratory tests, experiments, proof of concept; ultimately actual data that has been able to deduce the thesis proposal, using both laboratory research and grounded theory methods of data pilot experiments conducted in real environments. I've been researching the various aspects related to e-crime following a line of research focusing on intrinsically related topics: - The methods, means and systems of attack: Malware, Malware families of banker Trojans, Malware cases of use, Zeus as case of use. - The fixed platforms, mobile applications and as a means for malware attacks. - forensic methods to analyze the malware and infrastructure attacks. - Continuous improvement of methods of authentication of customers and users as a first line of defense anti- malware. - Using biometrics as innovative factor authentication.The line investigating Malware and attack systems intrinsically is closed related to authentication methods and systems to infect customer (executables, APP's, etc.), because the main purpose of malware is precisely steal data entered in the "logon "authentication system, to operate and thus, fraudulently, steal money from online banking customers. Experiments in the Malware allowed establishing a new method of decryption establishing guidelines to combat its effects describing his fraudulent scheme and operation infection. I propose a general methodology to break the encryption communications malware (keystream), extracting the system used to encrypt such communications and a general approach of the Keystream technique. We show that this methodology can be used to respond to the threat of Zeus and finally provide lessons learned highlighting some general principles of Malware (in general) and in particular proposing Zeus Cronus, an IDS that specifically seeks the Zeus malware, testing it experimentally in a network production and providing an effective skills to combat the Malware are discussed. The thesis is a research interrelated progressive evolution between malware infection systems and authentication methods, reflected in the research work cumulatively, showing an evolution of research output and looking for a progressive improvement of methods authentication and recommendations for prevention and preventing infections, a review of the main app stores for mobile financial services and a proposal to these stores. The most common methods eIDAMS (authentication methods and electronic identification) implemented in Europe and its robustness are analyzed. An analysis of adequacy is presented in terms of efficiency, usability, costs, types of operations and segments including possibilities of use as authentication method with biometrics as innovation.Este trabajo de tesis se ha realizado en el entorno industrial externo a la Universidad como un PhD industrial Los resultados de este PhD han sido testeados, validados, e implementados en el entorno de producción de Caixabank y han sido utilizados como modelos por otras que han seguido las mismas ideas. Las amenazas más candentes contra los bancos en todo el entorno Internet, se basan en herramientas software desarrolladas por los grupos delincuentes, aplicaciones que se ejecutan tanto en entornos web ya sea en el propio ordenador de la víctima (Malware) o en sus dispositivos móviles mediante la descarga de falsas aplicaciones (APP falsa con Malware). Como método se ha utilizado una aproximación de investigación exploratoria cualitativa sobre el problema, la respuesta a este problema y el uso de métodos preventivos a este problema a través de la autenticación. Este método se ha basado en muestras, hechos, encuestas, pruebas de laboratorio, experimentos, pruebas de concepto; en definitiva datos reales de los que se ha podido deducir la tesis propuesta, utilizando tanto investigación de laboratorio como métodos de teoría fundamentada en datos de experimentos pilotos realizados en entornos reales. He estado investigando los diversos aspectos relacionados con e-crime siguiendo una línea de investigación focalizada en temas intrínsecamente relacionadas: - Los métodos, medios y sistemas de ataque: Malware, familias de Malware de troyanos bancarios, casos de usos de Malware, Zeus como caso de uso. - Las plataformas fijas, los móviles y sus aplicaciones como medio para realizar los ataques de Malware. - Métodos forenses para analizar el Malware y su infraestructura de ataque. - Mejora continuada de los métodos de autenticación de los clientes y usuarios como primera barrera de defensa anti- malware. - Uso de la biometría como factor de autenticación innovador. La línea investiga el Malware y sus sistemas de ataque intrínsecamente relacionada con los métodos de autenticación y los sistemas para infectar al cliente (ejecutables, APP's, etc.) porque el objetivo principal del malware es robar precisamente los datos que se introducen en el "logon" del sistema de autenticación para operar de forma fraudulenta y sustraer así el dinero de los clientes de banca electrónica. Los experimentos realizados en el Malware permitieron establecer un método novedoso de descifrado que estableció pautas para combatir sus efectos fraudulentos describiendo su esquema de infección y funcionamiento Propongo una metodología general para romper el cifrado de comunicaciones del malware (keystream) extrayendo el sistema utilizado para cifrar dichas comunicaciones y una generalización de la técnica de Keystream. Se demuestra que esta metodología puede usarse para responder a la amenaza de Zeus y finalmente proveemos lecciones aprendidas resaltando algunos principios generales del Malware (en general) y Zeus en particular proponiendo Cronus, un IDS que persigue específicamente el Malware Zeus, probándolo experimentalmente en una red de producción y se discuten sus habilidades y efectividad. En la tesis hay una evolución investigativa progresiva interrelacionada entre el Malware, sistemas de infección y los métodos de autenticación, que se refleja en los trabajos de investigación de manera acumulativa, mostrando una evolución del output de investigación y buscando una mejora progresiva de los métodos de autenticación y de la prevención y recomendaciones para evitar las infecciones, una revisión de las principales tiendas de Apps para servicios financieros para móviles y una propuesta para estas tiendas. Se analizan los métodos más comunes eIDAMS (Métodos de Autenticación e Identificación electrónica) implementados en Europa y su robustez y presentamos un análisis de adecuación en función de eficiencia, usabilidad, costes, tipos de operación y segmentos incluyendo un análisis de posibilidades con métodos biométricos como innovación.Postprint (published version

Nonbanks and risk in retail payments

This paper documents the importance of nonbanks in retail payments in the United States and in 15 European countries and analyzes the implications of the importance and multiple roles played by nonbanks on retail payment risks. This paper also reviews the main regulatory safeguards in place, and concludes that there may be a need to reconsider some of them in view of the growing role of nonbanks and of the global reach of risks in the electronic era.

Adaptation of domestic state governance to international governance models

The purpose of the article is to provide the evolving international trends of modern management models and authorial vision of model of state governance system in Ukraine, its subsystems, in particular, the system of provision of administrative services that is appropriate for the contemporary times. Methodology. On the basis of scientific and theoretical approaches to the definitions of terms “state governance” and “public governance”, there was an explanation of considerable difference between them and, taking into consideration, the mentality of Ukrainian society and peculiar weak side in self-organization, the authors offered to form authorial model of governance on the basis of historically traditional for Ukraine model of state governance and to add some elements of management concepts that proved their significance, efficiency and priority in practice. Results. The authors emphasized the following two prevailing modern management models in the international practice: “new state management” and “good governance”. The first concept offered for consideration served as a basis for the semantic content of state activity that reflects more the state of administrative reformation. Practical meaning. A practical introduction of management to the domestic model of governance creates the range of contradictions that do not allow implementing herein concept. Pursuant to authors, the second one allows in considerable measure to reform state governance, considering historically developed peculiarities of this model. Moreover, the involvement of concept herein into introduction of informational and communicational technologies in the process of governance eliminates the necessity of power decentralization, it allows to form real net structure and, at the same, to keep vertical power structure, to involve citizens for formation and taking of management decisions, to form electronic communicational channel of feedback, to provide citizens with electronic administrative services. All indicated advantages of the concept certify about the necessity to reform state governance exactly in this field. Meaning/ Distinction. This article raises a question about the significance of formation and sequence of state policy in Ukraine aimed at creating an information-oriented society, space, as well as informational and technological infrastructure